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Our Lenders
Finding the right financing is just as important as finding the right floor plan, as a skilled lender ensures a seamless closing while securing the most competitive terms for your investment. To give you a head start, we partner closely with two highly recommended lenders who consistently deliver the expertise and personal service our clients deserve.
About Cinch Funding
CINCH is dedicated to providing a fast, transparent digital mortgage experience backed by superior customer service. Cinch Funding is a preferred lender of Landon Homes. We at Cinch pride ourselves on giving the Landon Homes customer a choice of different mortgage financing options for your home purchase at competitive rates.
You can expect to receive prompt, friendly service from all our dedicated team members who are here to guide you from mortgage application all the way to closing. Our loan officers are experienced with Landon Homes, having closed over 5000 loans in the Dallas area over the last 15 years, surpassing all other lenders combined by more than tenfold.
To learn more about Cinch funding, please click here.
About Chase Mortgage
With a global reputation for excellence, Chase Mortgage provides a seamless, tech-forward homebuying experience backed by a diverse range of flexible loan options. Their commitment to reliability and speed ensures you can move into your new home with confidence and peace of mind.To learn more, please click here.
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Choosing a Lender
Choosing the right mortgage lender is about more than just finding the lowest interest rate; it’s about finding a partner who ensures your path to homeownership is predictable and stress-free. As you begin your search, consider how a lender’s communication style aligns with your needs. A skilled lender acts as a proactive guide, explaining complex terms like APR and debt-to-income ratios while ensuring you are fully pre-approved before you even fall in love with a floor plan. This early legwork prevents last-minute surprises and gives you the confidence to make a firm commitment when you find “the one.”
Beyond the numbers, you should look for a lender who offers a diverse portfolio of loan products tailored to your unique financial situation. A high-quality lender will take the time to compare different scenarios for you and should be able to clearly outline your total “cash to close” and help you understand the long-term impact of your interest rate and monthly payments on your overall financial health.
When purchasing a newly constructed home, there are distinct advantages to working with a preferred lender of the homebuilder. These lenders have an established, day-to-day working relationship with the construction and sales teams, which leads to a highly synchronized experience. Because they are intimately familiar with the builder’s specific timelines and closing procedures, they can often offer more flexible rate-lock extensions to protect you against market fluctuations during the build process.
Perhaps most importantly, using a preferred lender often unlocks exclusive financial incentives that outside banks simply cannot match. Builders frequently offer substantial credits toward closing costs or “rate buy-downs” specifically for buyers who choose their trusted partners. By choosing a lender who is already “in the family,” you aren’t just getting a loan—you’re getting a team that is collectively incentivized to get you into your new home on time and with the best possible financial advantage.
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Home Financing: Frequently Asked Questions
Buying a new home is one of the biggest milestones in life, and we know that the financing process can feel a bit overwhelming. As your builder, we want to ensure you have all the information you need to make confident decisions.
Below are the most common questions we receive regarding mortgages and our lending partnerships.
1. Why should I use your preferred lenders instead of my own bank?
While you are free to use any lender you choose, our preferred lenders are deeply integrated into our construction timeline. They understand our building milestones, which leads to seamless communication and fewer delays. Because of this partnership, we are often able to offer exclusive incentives, such as closing cost credits or interest rate buy-downs, that external banks typically cannot provide.
2. What is the difference between Pre-Qualification and Pre-Approval?
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Pre-Qualification: This is a high-level estimate of what you might be able to borrow based on unverified information you provide. It’s a good first step, but not a guarantee.
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Pre-Approval: This is a much more rigorous process where the lender verifies your income, assets, and credit. We require a formal Pre-Approval letter before we can sign a purchase agreement, as it ensures your financing is secure.
3. When should I “lock in” my interest rate?
Since building a home takes time, interest rates can fluctuate during the construction process. Our preferred lenders specialize in extended rate locks specifically designed for new construction. You can discuss “locking in” once your loan is processed to protect yourself against rising rates while your home is being built.
4. How much do I need for a down payment?
Many buyers believe they need a 20% down payment, but that is a common myth. Depending on your credit score and the loan program (such as FHA, VA, or conventional), you may be able to purchase a home with as little as 3% to 3.5% down. Our lending partners can run different scenarios to find the best fit for your budget.
5. What are “Closing Costs,” and who pays them?
Closing costs include fees for the appraisal, title insurance, attorney fees, and taxes. These typically range from 2% to 5% of the home’s purchase price. One of the primary benefits of using our preferred lenders is that we often provide builder credits that can be applied directly to these costs, significantly reducing the amount of cash you need to bring to the table.
6. Will my mortgage payment change over time?
If you choose a Fixed-Rate Mortgage, your principal and interest payments will remain the same for the life of the loan. However, your total monthly payment may fluctuate slightly if there are changes in your local property taxes or your homeowner’s insurance premiums, which are usually collected in an escrow account.
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